******************************* CALIFORNIA *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K, Jumbo Loan $750K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.250 |
3.500 |
>$424K |
4.000 |
3.375 |
4.125 |
------ |
3.750 |
3.875 |
Jumbo |
4.000 |
3.750 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.250 |
3.750 |
3.250 |
3.875 |
4.000 |
>$424K |
4.500 |
3.990 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.785 |
3.098 |
3.645 |
3.090 |
3.043 |
3.294 |
|
>$424K |
3.950 |
3.250 |
3.950 |
------ |
3.625 |
3.750 |
APR |
3.986 |
3.296 |
4.001 |
------ |
3.653 |
3.778 |
|
Jumbo |
3.875 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.887 |
3.577 |
4.276 |
------ |
3.648 |
3.774 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
3.625 |
3.750 |
APR |
4.171 |
3.599 |
4.006 |
3.644 |
3.662 |
3.787 |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.250 |
3.500 |
>$424K |
4.125 |
3.750 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.250 |
3.750 |
3.250 |
3.750 |
3.875 |
>$424K |
4.625 |
4.000 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.757 |
3.048 |
3.606 |
3.017 |
3.016 |
3.266 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.863 |
3.533 |
4.242 |
------ |
3.625 |
3.750 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
3.625 |
3.750 |
APR |
4.142 |
3.548 |
3.966 |
3.570 |
3.634 |
3.759 |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
4.000 |
3.990 |
>$424K |
4.125 |
3.875 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.750 |
3.375 |
4.000 |
4.000 |
>$424K |
4.750 |
4.250 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.750 |
3.054 |
3.611 |
3.027 |
3.020 |
3.270 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.866 |
3.538 |
4.246 |
------ |
3.627 |
3.752 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
3.625 |
3.750 |
APR |
4.136 |
3.555 |
3.972 |
3.580 |
3.637 |
3.763 |
|
******************************* TEXAS *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.250 |
3.750 |
3.250 |
------ |
4.500 |
>$424K |
4.750 |
4.250 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.125 |
3.875 |
------ |
4.750 |
>$424K |
4.750 |
4.250 |
4.500 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.755 |
3.063 |
3.578 |
3.019 |
3.044 |
3.295 |
|
>$424K |
4.500 |
3.875 |
4.250 |
------ |
3.625 |
3.750 |
APR |
4.497 |
3.907 |
4.247 |
------ |
3.628 |
3.753 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.057 |
3.564 |
3.939 |
3.592 |
3.683 |
3.808 |
|
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
------ |
------ |
>$424K |
5.125 |
4.500 |
4.875 |
------ |
4.500 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
------ |
------ |
>$424K |
5.125 |
4.500 |
4.875 |
------ |
4.500 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.764 |
3.078 |
3.630 |
3.061 |
3.043 |
3.293 |
|
>$424K |
4.500 |
3.875 |
4.250 |
------ |
3.625 |
3.750 |
APR |
4.498 |
3.908 |
4.247 |
------ |
3.628 |
3.753 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.149 |
3.579 |
3.952 |
3.615 |
3.683 |
3.809 |
|
******************************* GEORGIA *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
------ |
4.500 |
>$424K |
4.250 |
3.875 |
4.625 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
------ |
4.750 |
>$424K |
4.875 |
4.250 |
4.625 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.778 |
3.104 |
3.650 |
3.098 |
3.056 |
3.307 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.872 |
3.549 |
4.255 |
------ |
3.634 |
3.759 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.164 |
3.605 |
3.972 |
3.652 |
3.698 |
3.823 |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K, Jumbo Loan $750K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.250 |
3.500 |
>$424K |
4.125 |
3.750 |
4.375 |
------ |
3.750 |
3.875 |
Jumbo |
4.000 |
3.750 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.250 |
3.750 |
3.250 |
3.750 |
3.875 |
>$424K |
4.625 |
4.000 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.767 |
3.047 |
3.615 |
3.016 |
3.016 |
3.266 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.863 |
3.533 |
4.242 |
------ |
3.624 |
3.749 |
|
Jumbo |
3.875 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.858 |
3.524 |
4.234 |
------ |
3.619 |
3.744 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
3.625 |
3.750 |
APR |
4.142 |
3.547 |
3.966 |
3.569 |
3.633 |
3.758 |